ZestFinance和中国网络零售巨头京东宣布成立一家合资公司,在中国市场上提供消费者信贷评分服务。京东拥有1亿活跃用户,年营收达200亿美元。这家合资企业名为JD-ZestFinance Gaia,最初将为京东上的分期贷款购物行为评估信贷风险。公司打算最终为中国各地的企业客户提供信用分析服务。
JD.com is also making a minority investment in ZestFinance, though the companies would notdisclose the size of the investment or the valuation of the start-up.
京东还对ZestFinance进行了少数股权投资,不过双方没有透露投资规模或是ZestFinance的估值。
“This is a great validation that what we’ve built works, said Douglas C. Merrill, founder andchief executive of ZestFinance.
“这是对我们的巨大认可,证明我们的方法是行得通的,ZestFinance的创始人兼首席执行官道格拉斯·C·梅里尔(Douglas C. Merrill)说。
There is a lot of enthusiasm for the data science approach to credit analysis, and venturefunding is flowing into this emerging field. The promise is that high-tech tools can givegreater depth and detail to the basic principle of banking: know your customer. Start-ups inthe field, beside ZestFinance, include Affirm, Earnest, Elevate and LendUp.
人们对于用数据科学的方法来进行信用分析热情高涨,风险资本也正在流入这个新兴的领域。银行业的基本原则是了解客户,而高科技工具有望为此提供更深层次的剖析和更多的细节。除了ZestFinance之外,该领域的初创公司还有Affirm、Earnest、Elevate和LendUp。
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